The TD Ameritrade Asset Protection Guarantee

At TD Ameritrade, we are committed to delivering our clients one of the highest levels of security in the industry — at no cost to you. That means we will reimburse you any cash or shares of securities from your account that are lost as a result of unauthorized activity. We are promising you this protection, which adds to the provisions that already govern your account, in case unauthorized activity ever occurs and we determine it was through no fault of your own.

How does the TD Ameritrade Guarantee work?

We can guarantee this protection if you work with us in three ways:

Keep your account information secure and confidential — do not share it, because sharing your UserID, password, PIN, or account
number with other people means you authorize them to take action in your account. Check your account frequently and report any suspicious or unauthorized activity to us immediately. Take the steps we request if your account is ever compromised and cooperate with our investigation.

If you help us in these basic ways, we will promise no fine print and no footnotes — just our commitment to protect the assets you entrust to us.

Note: The Asset Protection Guarantee does not apply to situations involving your advisor’s unauthorized activity, since your advisor is authorized on your account. It does, however, protect against any unauthorized activity by an unaffiliated third party.

FDIC insurance
Certificates of Deposit (CDs) purchased through TD Ameritrade are issued by banks insured by the Federal Deposit Insurance Corporation (FDIC). In addition, cash in your account can be held in a TD Ameritrade FDIC Insured Deposit Account (IDA). Balances in an IDA are held at TD Bank, N.A. and/or TD Bank USA, N.A., where they are insured by the FDIC against bank failure for up
to $250,000 per depositor, per bank. TD Bank, N.A. and TD Bank USA, N.A. are affiliates of TD Ameritrade. Each bank will have separate FDIC coverage of up to $250,000 per depositor for up to $500,000 total per IDA depositor.

SIPC Protection
TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC). Securities in your account are protected up to $500,000. For details, please see www.sipc.org. TD Ameritrade also provides $149.5 million worth of protection for each client through supplemental coverage provided by London insurers. The $149.5 million of coverage includes a sub-limit of
$900,000 on cash. Each client is limited to a combined return of $150 million from SIPC or London insurers. The TD Ameritrade supplemental insurance policy has an aggregate limit of $500 million for claims from all TD Ameritrade clients. This supplemental
insurance provides coverage following brokerage insolvency and does not protect against loss in market value of the securities. If you have any questions, call your advisor or TD Ameritrade Institutional at 800-431-3500. To learn more about SIPC coverage,
go to www.sipc.org. For more information about FDIC deposit insurance, visit www.fdic.gov.

Why CGF?

Constant Guidance Financial is a Registered Investment Advisory firm solely focused on providing wealth management and financial planning. I am exclusively fee-only. My mission is to help you achieve your financial goals through astute portfolio management and personalized advice. I believe that the best way to reach your financial goals is by achieving superior investment results. My office is located in North Attleboro and I have a virtual office in Providence, RI. If you’re looking for a CFP® in Massachusetts or Rhode Island, you’ve come to the right place.

Areas I Currently Serve

I currently serve Massachusetts, Rhode Island, and surrounding communities.

Investment advisory services offered through Constant Guidance Financial LLC, a registered investment adviser. Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk. Constant Guidance Financial LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Links to third-party web sites are provided as a convenience. Constant Guidance Financial LLC does not endorse nor support the content of third-party sites. By clicking on a third-party link, you will leave this website where privacy and security policies may differ from those practiced by Constant Guidance Financial LLC. This site is published for residents of the United States only. Investment Advisor Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of services referenced on this site are available in every state and through every advisor listed. TD Ameritrade, Inc. is one of the firms that we use to custody our client assets. TD Ameritrade, Constant Guidance Financial, and the other entities named are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.